The Effect of Credit Distribution, Operating Costs, Operating Income and Credit Interest Rates on the Financial Performance of Indonesian Banking

This study aims to determine the effect of credit distribution, Operating Costs Operating Income and credit interest rates on profitability in banking companies listed on the Indonesia Stock Exchange in 2020-2022. This study is quantitative using multiple linear regression analysis techniques and descriptive statistical analysis methods. The study population was 47 banking companies, with a total research sample of 90 for 3 (three) periods. The results of the study indicate that the credit distribution variable has a significant effect on the profitability variable, the Operating Costs Operating Income variable has a significant effect on the profitability variable, while the credit interest rate variable has no effect on the profitability variable.